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Dear Dave, We just started following your plan, and we have $39,000 in debt. We make $55,000 a year, and two of our smaller debts — one car and a credit card — are both $7,500. The credit card has a higher interest rate, so my wife thinks we should p...

Martha Myron, our personal finance expert, is taking a rare break from her Moneywise column this week. Instead we are running this highly informative piece on retirement fund planning by the financial education website, Investopedia, adapted in some...

The post-election rally has taken stock markets to all-time highs. Readers know I am not a fan of making stock-market predictions, but the recent gains do raise some interesting questions. Rather than offer up a silly and very likely wrong forecast, ...

Dear Dave, We have three preschool grandchildren, and they get tons of stuff for Christmas every year. We’re in really good shape financially and would like to do something for their future this year instead of giving a toy that might get thrown in t...

Dear Dave, What is your opinion on micro investing apps? TAMMY Dear Tammy, Honestly, I’m not a big fan of micro investing apps. As you probably know, the word “micro” means small. So why would you want to mess with something like that? Are you going ...

Dear Dave, I’ve been out of college for a few years, and I have no debt. I’d like to start investing, so I’m thinking about buying a triplex, living in one of the apartments, and renting the other two. Should I get an interest-only loan for this? CHA...

Dear Dave, I work for a small company that just won a cruise trip for all the employees. The prize covers just the cruise tickets, and we have to pay for everything else. The problem is that my wife and I currently have more than $50,000 in debt, not...

Dear Dave, My husband owns a small landscaping and masonry company. His profits over the last couple of years have been about $80,000 annually. We were wondering if we should be setting aside some retained earnings. KIM Dear Kim, Yes, all businesses ...

Dear Dave, I’m 23, and I lost a good job a few days ago due to layoffs. My wife has been a stay-at-home mom with our ten-month-old daughter, and we have very little in the way of savings. What can we do to keep our heads above water? — Seth Dear Set...

Dear Dave, My mom is 95 years old, and she’s in amazing health. Financially speaking, she has about $150,000 in Certificates of Deposit, money market accounts, and savings bonds. Is there a better place she can invest her money? ANONYMOUS Dear Anonym...